Great conversation. My dream was always mortgage freedom and a piece of land. We built a rustic cottage in far northern NH on 5 acres. Very rugged, composting toilet, hauling drinking water, lived in our tipi while drying it in. Never quite finished it all but it is bought and paid for. Some of the best years of my life. Then we moved back to VT for jobs and civilzation. We wanted to stay and start a family. We were not interested in living in the tipi with a baby. We wanted some amenities. So we found a small newer house that needed lots of work on ten acres. Green mountain views, woods with a small river, and about seven acres of perfect farmland. We spent a year and half remodeling the house and starting gardens. Now we have a modest mortgage. Not ideal but worth it. Now we are trying to sell the NH camp so we can build an addition and replenish emergency money. We kind of came full circle and have a mortgage now. My wilderness program ten minutes away is shutting it's doors and I will probably have to drive 35 minutes to town for work, even if I get the adventure therapy job I am interviewing for I will still be out a large percentage of my salary. Luckily living simply with a cheap mortgage and no car payments means we will still be able to keep the roof over our head and our bellies full. As an aside thanks to our wonderful little state no matter what happens reasonable health care is always available for the whole family especially children. Even with a decent paying job with benefits we pay only $15 a month for our baby Maya's healthcare with no co payments for anything, saving almost 200 a month from my work health insurance. All VT families making less than 60K are eligible with a slightly sliding scale.
Home ownership can be frustrating or rewarding depending on how you do it. Since my chosen career is not high paying and we decided we wanted my wife to raise our child for a few years we are usually on a tight budget (luckily backpacking is cheap) which means we spend a lot of time at home. It is very much a lifestyle, I like working on the house and the sweat equity we put into it is like a second job. Wood heat is cheap, warm, and provides good excercise. We love connecting with the land and living in a beautiful place. We garden and would like to expand to really ramp up food production probably even adding animals in the coming years. We do lots of running and biking on the dirt roads and swimming and paddling are moments away. Of course one of the luxuries we splurge on is a good internet connection, Netflix and virtual backpacking help maintain the sanity in a small house during the winter (especially this one with no snow). This life is far from perfect, we haven't travelled much lately, we have built up a little short term debt while on one salary, gear purchases are few and far between, no backcountry snow means no skiing as I can't afford a pass,etc. But life is simple and rewarding and we are relatively quite happy.